The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$26,283
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$27,100
−HK$831/mo
Today · 4.125%
HK$27,931
baseline
▲ 0.50% · 4.625%
HK$29,630
+HK$1,699/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$55,862/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,239
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,023
−HK$796/mo
Today · 4.125%
HK$30,819
baseline
▲ 0.50% · 4.625%
HK$32,443
+HK$1,624/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$61,638/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,539
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$32,520
−HK$997/mo
Today · 4.125%
HK$33,517
baseline
▲ 0.50% · 4.625%
HK$35,557
+HK$2,040/mo
Deposit HK$4.61M · loan HK$6.92M · min. income ≈ HK$67,034/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$432,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,087
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$36,028
−HK$955/mo
Today · 4.125%
HK$36,983
baseline
▲ 0.50% · 4.625%
HK$38,932
+HK$1,949/mo
Deposit HK$4.61M · loan HK$6.92M · min. income ≈ HK$73,966/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$432,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,796
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$37,940
−HK$1,163/mo
Today · 4.125%
HK$39,103
baseline
▲ 0.50% · 4.625%
HK$41,483
+HK$2,380/mo
Deposit HK$3.46M · loan HK$8.07M · min. income ≈ HK$78,206/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,935
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$42,033
−HK$1,114/mo
Today · 4.125%
HK$43,147
baseline
▲ 0.50% · 4.625%
HK$45,421
+HK$2,274/mo
Deposit HK$3.46M · loan HK$8.07M · min. income ≈ HK$86,294/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,309
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$48,780
−HK$1,496/mo
Today · 4.125%
HK$50,276
baseline
▲ 0.50% · 4.625%
HK$53,335
+HK$3,059/mo
Deposit HK$1.15M · loan HK$10.37M · min. income ≈ HK$100,552/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$432,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,631
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$54,042
−HK$1,432/mo
Today · 4.125%
HK$55,474
baseline
▲ 0.50% · 4.625%
HK$58,398
+HK$2,924/mo
Deposit HK$1.15M · loan HK$10.37M · min. income ≈ HK$110,948/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$432,234 · Scale 2, in force from 26 Feb 2026)